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Online Money Transfer to China | PFG Smart Credit

Available delivery methods for money transfer to China

Send money to China in the fastest, most secure way and with convenient delivery option through PFG Smart Credit

Account Deposit

You can have the money deposited directly into the recipient’s bank account anywhere in the China for personal and business purposes. In order to send USD funds to a Chinese bank account, you will need the 11-character SWIFT code of the beneficiary bank-branch.

Account Deposits in CNY

You can have the money deposited directly into the bank account of a beneficiary company incorporated in mainland China, for business purposes. For this, you will need the SWIFT code of the beneficiary bank and the bank’s CNAPS number. Business Transfers to China in CNY are permitted for following purposes only.

  • Trade Settlement for Goods
  • Trade Settlement for Services
  • Charity Donation
  • Payment to Current Account
  • Payment to Capital Account

What is CNAPS

China National Advanced Payment System (CNAPS) is an electronic inter-bank clearing system in China for processing Yuan payments. CNAPS number is a 12-digit number used as a clearing code by Chinese banks and is equivalent of a UK sort code.

What You Need To Know...

Standard Fee
  • AUD 20 for all amounts


  • Concessional lower fee available during special promos and offers
Delivery time

Priority Payments (SWIFT)

  • 3-5 business days, after receipt of AUD funds into our bank account
  • Service available from Monday to Friday


  • Available through all agent outlets
Amount Limit
  • Minimum Send Amount : AUD 100(per transfer)
  • Maximum Account Deposit : No Limit
Receive Amount


  • Recipient/Intermediary banks may deduct their charges for SWIFT payments.


  • It is worth checking with the recipient bank to find out if they will charge to receive SWIFT wire transfers.
Receiver’s details required

Account Deposits in USD

  • Recipient’s full name, address and bank account details including the SWIFT/BIC

Account Deposits in CNY

  • Recipient’s full name, address and bank account details including the SWIFT/BIC and CNAPS


  • CNAPS format: 12 characters
  • Eg : CN123456789012
  • Free of charge if done prior to release of payments by us.
  • Amendments are NOT possible after release of payments.
  • AUD 25 fee for all cancellations


  • Foreign exchange loss on conversion and deductions/charges of banks/payment partners etc. will be recovered from the customer.
Business Transfers
  • Business Transfers can be done in USD or CNY to beneficiaries in China.


  • To know more, please see ‘Business Transfers’.
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Send money on the go.

  • International money transfer in just a few clicks
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  • Benefits from greater biometric security